CREDITWRENCH teaches about copy protection programs
CREDITWRENCH teaches Uncle Normie about copy protection programs
All they do is fool a jackass like Uncle Normie into thinking it is going to do some good.This webpage was NOT protected by HTMLProtector
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Monday, February 21, 2005CREDITWRENCH and trademark registration
Uncle Normie falsely claims that CREDITWRENCH CEO Bill Bauer has advertised on his website/blogs and even posted to message boards, the name CREDITWRENCH followed by ®. This would indicate that CREDITWRENCH is a federally registered trademark and properly filed with the US Patent and Trademark Office. Uncle Normie just tries to bamboozle anyone he can. I guess he thinks it is cute to do so or something. Now why isn't it suprising that CREDITWRENCH has not committed fraud? Well for one thing, he never does anything like that. Uncle Normie falsely advertises that CREDITWRENCH does credit repair, but UNCLE NORMIE is so stupid he don't even know what credit repair is or how it is done. UNCLE NORMIE also claims that CREDITWRENCH is not registered with the Oklahoma Secretary of State as a corporation. Of course not and for the simple reason that Creditwrench is registered with the Oklahoma Secretary of State as a DBA but not as a corporation. Those 3 things alone show that UNCLE NORMIE is nothing more than a CON ARTIST indending to mislead unwary consumers.. More uglinessUNCLE NORMIE is uploading a picture of CREDITWRENCH to porno newsgroups. Of course he's using a different name now so they don't recognize the spam. Sunday, February 20, 2005UPSET?If you arrived at Uncle Normie's blog because of spam in your usenet group, I suggest you lodge a formal complaint by clicking below: Saturday, February 19, 2005CREDITWRENCH falsely claiming to be incorporated
The use of the term CREDITWRENCH Inc., by UNCLE NORMIE implies that he wants you to believe that CREDITWRENCH is incorporated under the terms of the Oklahoma General Corporation Act. However, the Oklahoma Secretary of State does not show any such corporation registered and with good reason. So what does this mean? Well, nothing really. Just more braying about CREDITWRENCH by a jackass. Uncle Normie claiming that CREDITWRENCH has claimed to be incorporated when he is not is false, misleading, and is a criminal offense. Friday, February 18, 2005Why you should ALWAYS communicate with CREDITWRENCH
CREDITWRENCH CEO Bill Bauer uses a commercially available email service which provides a return receipt upon delivery of an email. In simple terms, if you are online and open an email he sent to you, he gets back exactly the same header information he would receive if you replied to the email. CREDITWRENCH CEO Bill Bauer elaborated further as to why he subscribes to this service:
Tomorrow I will be providing further evidence of false and misleading information that UNCLE NORMIE continues to post on the internet. Thursday, February 17, 2005CREDITWRENCH and the saga of nonjudicial foreclosure
In a prior post Uncle Normie claimed that Oklahoma Statutes provide for nonjudicial foreclosure. The pupose of this was to set aside CREDITWRENCH CEO Bill Bauer's contention that, because he knows so much about vacating judgments, he would never again be displaced from his home. As was pointed out by CREDITWRENCH, that statement was a personal opinion and not subject to comment or criticism by some braying jackass. Leave it to UNCLE NORMIE to try to make a mountain out of a molehill.
it is clearly a case of pure unadulterated Uncle Normie bullshit
Wednesday, February 16, 2005UNCLE NORMIE tries to tell the Oklahoma State Legislature what they have to do.
Notice to the Oklahoma State Senate Ethics Committee: It has come to my attention that certain Oklahoma State Senators are unfamiliar with the power of sale provision under Oklahoma Statutes, specifically Title 46. His appreciation of the wording of Title 46 is that it allows for nonjudicial foreclosure. CREDITWRENCH CEO Bill Bauer, however, indicates that legal advice given to him by three Oklahoma State Senators proves otherwise. Although Mr. Bauer refused to provide the names of the senators involved, I felt it important to bring this matter to your attention. With all due respect, I would ask that you either clarify to all Senators that Title 46 indeed provides power of sale to a mortgagor, or ask them to pass legislation to ammend the wording to indicate that it does not. CREDITWRENCH and the lawUncle Normie says that on one of his blogs, CREDITWRENCH CEO Bill Bauer claims that because of his knowledge to vacate a judgment he would never have to worry about having a foreclosure on his house.....again. Monday, February 14, 2005UNCLE NORMIE BRAYS ONNext I will be dicussing why there is no judgment to vacate in a nonjudicial foreclosure of security interest property, nonconsensual liens, and kewel stuff like that. CREDITWRENCH and interest ratesCREDITWRENCH CEO Bill Bauer today advised those interested that even with bad credit they can borrow money from BankOne at 5%. More stupid crap stemming from the fact that Uncle Normie don't understand what he reads. Interest rates vary depending on type and purpose of the loan. (Prime interest is what banks charge their most creditworthy corporate customers.) Well WHOOPDEEDOO. Wonder how an Oklahoma City BankOne is able to charge credit-risk customers less than prime. | Been ripped off by a credit repair scam? File a complaintunclenormie@oklahomacity.usa.com Previous
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Monday, February 21, 2005
Creditwrench-thetruth
The burning bush question is whether or not Uncle Normie has had his blog which he calls Creditwrench-thetruth shut down for violation of the blogger terms of service agreement.
His blog has been shut down all day even though the RSS feed is still up. We can see that from feedburner. com's feed to the blog.
As is his custom however he has to lie about it and claim differently inspite of all indications to the contrary. Here is what he tried to make others believe.
E. Normis
Expert Member
Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 620
RSS feed was turned off. Other than that there are no known issues. Unless your originating IP is in Oklahoma.
__________________
The Truth
What a hoot!
His blog has been shut down all day even though the RSS feed is still up. We can see that from feedburner. com's feed to the blog.
As is his custom however he has to lie about it and claim differently inspite of all indications to the contrary. Here is what he tried to make others believe.
E. Normis
Expert Member
Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 620
| Posted: February 21 2005 at 6:59pm | IP Logged | |
__________________
The Truth
What a hoot!
posted by Uncle Normie at 5:57 AM
Friday, February 18, 2005
Why you should never communicate with CREDITWRENCH
The other day it came to light that CREDITWRENCH CEO Bill Bauer uses a commercially available email service which provides a return receipt upon delivery of an email. In simple terms, if you are online and open an email he sent to you, he gets back exactly the same header information he would receive if you replied to the email.
CREDITWRENCH CEO Bill Bauer elaborated further as to why he subscribes to this service:
I want to be able to geographically track everyone who ever communicates with me for any reason whatever in case I ever need to "park in front of their house".
After reading his statement above, keep in mind, CREDITWRENCH CEO Bill Bauer made a death threat against poor old Uncle Normie. You can read about it here, about 25 posts down. Plus he has violated a number of stalking laws in my state since the death threat he made.
Considering the above, do you really want to communicate anything to CREDITWRENCH CEO Bill Bauer? If your purpose in using his service is because collectors are calling you, do you really want to exchange that for a deranged man parking in from of your house?
There is a way to avoid receiving any tracking e-mails that can ultimately put you and your family in harms way from CREDITWRENCH CEO Bill Bauer. The best way of course is to avoid having anything to do with either his credit repair scams, or his work at home con. For additional protection, I discovered another solution in correspondence I've exchanged recently with the principals of mailtracking.com.
Simply provide your email address to optout@MailTracking.com and CREDITWRENCH CEO Bill Bauer will never be able to send you an email through their service again.
Of course from a financial standpoint, your best bet is to avoid CREDITWRENCH altogether.
Tomorrow I will be providing further evidence of false and misleading information that CREDITWRENCH CEO Bill Bauer continues to post on the internet.
posted by Uncle Normie at 4:06 AM
Thursday, February 17, 2005
CREDITWRENCH and the saga of nonjudicial foreclosure
In my prior post I pointed out that Oklahoma Statutes provide for nonjudicial foreclosure. The pupose of this was to set aside CREDITWRENCH CEO Bill Bauer's contention that, because he knows so much about vacating judgments, he would never again be displaced from his home. As was pointed out to Mr. Bauer, under nonjudicial foreclosure, there is no judgment to vacate, not even a court appearance. The lender simply follows the statutory notification procedures, and proceeds with eviction, taking back their interest in the property because default on the part of the mortgagor.
Unsatisfied that this was a valid legal process, he proceeds, he claims, to contact 3 state senators who are attorneys, 5 banks, and a sheriff. All of whom apparently gave the same answer; Uncle Normie is making the whole thing up, doesn't know what he's talking about, braying like a jackass, etc., etc.
I thought surely someone in the above group has heard of nonjudicial foreclosure, particularly the senator/attorneys.
So I provided Mr. Bauer with the Oklahoma statute that makes nonjudicial foreclosure a remedy under what's known as a power of sale provision that is contained in a mortgage in the 26 states that allow for nonjudicial foreclosure.
Mr. Bauer then indicated that I was referencing old law. That the only available statutes on the internet were from 1999 and may have been changed. As I clearly pointed out, I was using the annotated statutes, the latest revision of those statutes, and in fact the statutes were updated on the internet just 2 months ago.
Now CREDITWRENCH CEO Bill Bauer begins to sing a different tune. But, because he doesn't like issues confused by someone stating facts, he next "consults" with an attorney who specializes in foreclosures.
Using legal advice CREDITWRENCH CEO Bill Bauer allegedly obtains from OKC attorney Don Timberlake, he takes the position that even under Article 46, a consumer has a right to demand a judicial hearing. Not only does CREDITWRENCH CEO Bill Bauer and his alleged legal counsel Don Timberlake fail to quote the statute in its entirety, they quote it out of context.
The relevant part of Article 46 dealing with the power of sale by the mortgagee is:
A power of sale has been granted in this mortgage. A power of sale may allow the
mortgagee to take the mortgaged property and sell it without going to court in a
foreclosure action upon default by the mortgagor under this mortgage
What CREDITWRENCH CEO Bill Bauer and his legal counsel OKC attoreny Don Timberlake apparently are confused by is the very next part, which states:
in a mortgage transaction involving the mortgagor's homestead, if the mortgagor,
at least ten (10) days before the property is to be sold under the power of
sale, sends written notice by certified mail to the mortgagee stating that the
property involved is the mortgagor's homestead and that judicial
foreclosure is elected, and files of record a copy of such notice which
contains the legal description of the property in the office of the county clerk
of the county where the property is located, the mortgagee must pursue
any foreclosure by judicial proceeding in a court of competent
jurisdiction
So this means if the mortgaged property is the homestead of the debtor, they can request a procedural hearing in court before a judge before foreclosure can be executed. But under §46-1, any interest in a property is described as a "mortgage". The topic of this entire subject is based on the primary lender, first mortgage if you will.
As such, we must now determine if the homestead exemption applies. According to Oklahoma Statutes, Article 31 section 5 paragraph 1, it clearly does not:
§31‑5. Homestead exemptions shall not apply, when.
The exemption of the homestead provided for in this chapter shall not apply where the debt is due:
1. For the purchase money of such homestead or a part of such purchase
money.
There clearly is no homestead exemption that can be claimed against the money that was used to purchase the property, therefore there can be no request for a judicial foreclosure.
posted by Uncle Normie at 3:23 PM
Wednesday, February 16, 2005
Power of sale and Oklahoma statute
Notice to the Oklahoma State Senate Ethics Committee:
It has come to my attention, through a credit repair blog of CREDITWRENCH CEO Bill Bauer, that certain Oklahoma State Senators are unfamiliar with the power of sale provision under Oklahoma Statutes, specifically Title 46.
My appreciation of the wording of Title 46 is that it allows for nonjudicial foreclosure. CREDITWRENCH CEO Bill Bauer, however, indicates that legal advice given to him by three Oklahoma State Senators proves otherwise.
Although Mr. Bauer refused to provide the names of the senators involved, I felt it important to bring this matter to your attention. With all due respect, I would ask that you either clarify to all Senators that Title 46 indeed provides power of sale to a mortgagor, or ask them to pass legislation to ammend the wording to indicate that it does not.
unclenormie@oklahomacity.usa.com
posted by Uncle Normie at 4:15 PM
CREDITWRENCH and the law
On one of his credit repair blogs, CREDITWRENCH CEO Bill Bauer claims that because of his knowledge to vacate a judgment he would never have to worry about having a foreclosure on his house.....again.
Not so if he planned on buying a home in Oklahoma. Oklahoma is a nonjudical foreclosure state. That means when you buy a home there you execute a power of sale when you sign the mortgage note. If you default on the mortgage, the mortgage company can foreclose on your home without ever even going into a court room. There is no judgment, therefore no judgment to vacate.
If you don't cure the default, the sheriff shows up and escorts you off the property which now belongs to the mortgage company to auction off. Now instead of building equity in your own home, you're trying to find a place to rent. And renting is like pissing away money.
CREDITWRENCH CEO Bill Bauer stating you can vacate a judgment to avoid losing your home in a foreclosure proceeding is false and misleading.
posted by Uncle Normie at 9:55 AM
Monday, February 14, 2005
CREDITWRENCH and foreclosure procedures
Next I will be dicussing why there is no judgment to vacate in a nonjudicial foreclosure of security interest property, nonconsensual liens, and cool stuff like that.
Might also have some time to touch on some staunch supporters of CREDITWRENCH CEO Bill Bauer, like Kate Grayson? :-)
posted by Uncle Normie at 10:57 PM
CREDITWRENCH and interest rates
CREDITWRENCH CEO Bill Bauer today advised readers interested in his credit repair offerings that even with bad credit they can borrow money from BankOne at 5%. Seems rather low considering that I am, at this moment, reading today's Wall Street Journal and they quote today's prime interest rate at 5.50%. (Prime interest is what banks charge their most creditworthy corporate customers.) Wonder how an Oklahoma City BankOne is able to charge credit-risk customers less than prime.
posted by Uncle Normie at 3:54 PM
# Discussion Board
# Discussion Board
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# It's Australian for FDCPA mate
Been ripped off by a credit repair scam? File a complaint
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Previous
* CREDITWRENCH and trademark registration
* More ugliness
* UPSET?
* CREDITWRENCH falsely claiming to be incorporated
* Why you should never communicate with CREDITWRENCH
* CREDITWRENCH and the saga of nonjudicial foreclosure
* Power of sale and Oklahoma statute
* CREDITWRENCH and the law
* CREDITWRENCH and foreclosure procedures
* CREDITWRENCH and interest rates
Archives
* 01/01/2005 - 01/31/2005
* 02/01/2005 - 02/28/2005
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posted by Bill Bauer @ 7:50 AM 0 comments
Monday, February 21, 2005
Creditwrench-thetruth
The burning bush question is whether or not Uncle Normie has had his blog which he calls Creditwrench-thetruth shut down for violation of the blogger terms of service agreement.
His blog has been shut down all day even though the RSS feed is still up. We can see that from feedburner. com's feed to the blog.
As is his custom however he has to lie about it and claim differently inspite of all indications to the contrary. Here is what he tried to make others believe.
E. Normis
Expert Member
Expert Member
Avatar
Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 620
Posted: February 21 2005 at 6:59pm | IP Logged
RSS feed was turned off. Other than that there are no known issues. Unless your originating IP is in Oklahoma.
__________________
The Truth
What a hoot!
posted by Bill Bauer @ 9:39 PM 0 comments
posted by Creditwrench @ 5:15 PM
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